🎶Money, money, money / Always sunny / In the rich man's world🎶

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Money makes the world go round, and to keep up with the demands of modern life, many of us have have been borrowing a lot of it. Earlier this year accountancy firm PricewaterhouseCoopers reported that the average UK household will owe close to £10,000 in unsecured debts by 2016.

Student debt is a huge part of that debt (but not all of it).

Unsecured debt grew by £19.7 billion in the UK in 2014 and according to PwC "student borrowing" accounted for just under half of that figure – a whopping £9.1 billion. If you've been in higher education in the last decade, chances are you are carrying around a fair bit of debt, and will be for some years to come.

If you are in your twenties and have what you consider to be substantial debt, we want to hear from you.

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While student debt might be the biggest singular debt many are facing, there are numerous other ways you have accrued a mountain of debt: You may have inherited the debts of parents and other family members, maxed out credit cards, taken out loans, had medical emergencies, or taken on the debts of a partner. Whatever the source of your debt, if you are in your twenties, we would like to hear from you.

What do you wish people knew about spending your twenties in debt?

How are you coping? Are you managing to keep on top of payments? What steps have you taken to help you manage your debt? Do your friends and family know you're struggling? Have you accepted help from your parents – or are in they in no position to help you? Do you ever see a time when you will be out of your overdraft? What has your debt taught you? Can you see a way out, or do you expect to live with it for decades?

Tell us about your debt, and you could be featured in a BuzzFeed post!